Enhancing Digital Payment Security: A Blockchain-Based Framework with Multi-Factor Authentication and Quantum-Resistant Cryptography

Digital payment security has been directly affected by fast-paced digital technology development, which establishes potential risks throughout user transactions. Users stop trusting digital payment systems when proper security measures are not in place. The study utilizes blockchain technology as a means to secure digital payments because it tackles existing security problems. A proposed two-step trust system lets blockchain safely keep user data to protect data authenticity while protecting users from unauthorized changes. Blockchain integrates multiple verification methods with facial recognition capabilities to verify users and boost platform protection. This research implements three modern technologies, including quantum-resistant cryptography, together with homomorphic encryption and an AI-driven smart contract, to digital payment security through blockchain integration and advanced cryptographic and AI methods. Different sampling approaches were used to collect system testing data, which evaluated the reliability and effectiveness of the security framework. The study introduces a breakthrough app that resolves customer problems and enhances public confidence in virtual payments.